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Medical Malpractice

Medical Malpractice, also often called Medical Professional Liability, is a must for every health care professional. A Medical Malpractice claim is filed every 43 minutes, which shows the urgency needed in being covered at all times for this eventuality.

CSRisks will evaluate the total insurance needs of each health care professional to help you adequately insure even the toughest Health Care risks. This will include recommendations for additional coverage(s) that may be needed for Cyber Liability, Employment Practices Liability, Directors & Officers Liability and other possible liabilities that all need to be considered. CSRisks provides all your needs from one simple source.

Through the relationships CSRisks’ expert staff has fostered writing medical risks for over a decade, you will have access to less common markets and more options not available through other brokers.

Allied Healthcare

Allied Healthcare Liability provides protection to individuals who work under the direct or indirect supervision of doctors, surgeons, and dentists. These individuals and entities need financial protection from their professional negligence in administering patient care which results in bodily injury to a patient.

Coverage Classes

Ambulance Services – Emergency and Non-Emergency

Assisted Living Facilities and Long Term Care

CRNA/CRNA Staffing

Diagnostic Imaging and X-Ray

Home Health Care

Locum Tenens

Medical Clinics

Medical Directors

Medical Labs

Medical Marijuana Clinics

Medical Spas

Mental Health Clinics

Nurse Staffing Agencies

Pharmacies (including Compound)

Social Services

Teleradiology

Policy Highlights

Medical Professional Liability (Occurrence Form Available on Certain Classes)

Medical General Liability (Occurrence or Claims Made)

Business Personal Property (Available on Certain Classes)

Defense of Licensing and Subpoena Assistants

Defense Outside the Limit

Employee Benefits Liability

HIPAA

Hired and Non-Owned Automobile Liability

Independent Contractors as Insured’s

Medical Director included for Administrative Duties

Personal Injury to include Personal and Advertising Injury

Privacy and Security Liability

Sexual Abuse and Molestation

First Dollar Defense

Limits: $250,000 Each Claim/$750,000 Aggregate up to $3M Each Claim & $6.45M Aggregate

Ambulance Services

Coverage Classes

Policy Highlights

Optional Coverage Enhancements

Occurrence Form

Coverage for Loading and Unloading

Volunteers as Insureds

Hired and Non-Owned Automobile Liability

Claims Example:

While at home a patient suffers a neck injury that restricts blood flow to the brain. The patient’s spouse calls 911. The ambulance takes 15 minutes to arrive. The ambulance takes the patient to the hospital, where surgery begins almost an hour after the onset of the problem. The patient survives, but with severe brain damage. According to expert medical witnesses retained by the patient’s attorney, if the surgery had started within 20 minutes of the 911 call, the patient would likely have made a full recovery. This case was settled for $1M with the ambulance services paying $350,000 in indemnity and $63,895 in defense expenses.

Behavioral Health

Behavioral Health is the field of medicine devoted to helping people overcome or manage stresses and make positive healthy choices.

Coverage Classes

Counseling

Mental Health

Substance Abuse

Sleep Disorders

Workers Compensation and Disability Evaluations

Policy Highlights

Medical Professional Liability

Medical General Liability

Optional Coverage Enhancements

Package Policy Available

Occurrence Form Available

Claims Example:

A mental health counselor began an inappropriate relationship with a client. He began revealing personal information about himself to the client that had no therapeutic value and encouraged the client to meet him for a social engagement outside the office. A sexual relationship emerged while he was still offering the client counseling sessions. When the client discontinued the counseling sessions, the counselor failed to assist her in obtaining another counselor. Because the counselor breached clinical, ethical and legal standards of care, the plaintiff’s attorney initially sought $500,000. However, the case was settled out of court for $150,000 plus an additional $11,780 paid in legal costs.

Clinics

A clinic is a facility that is devoted to diagnosis and care on an outpatient basis.

Coverage Classes

Abortion

Mental Health

Urgent Care

Walk-In

Community Health Center

Policy Highlights

Medical Professional Liability

Medical General Liability

Optional Coverage Enhancements

Physician included as Insured

Vicarious Liability for Physician

Defense Outside the Limits

Sexual Abuse and Molestation

Claims Example:

A 5 year old female was presented to an urgent care facility with a fractured arm. The PA administered an amount of lidocaine to the patient that was meant for an adult male. Patient became unresponsive at the facility and later died at the hospital. Indemnity paid: $1M. Expenses Paid: $15,987.

Home Health Care

Home health care is a wide range of health care services that can be given in a patient’s home for an illness or injury.

Coverage Classes

Companion Sitting

Durable Medical Equipment

Hospice

Intravenous Therapy

Personal Care

Rehabilitation

Skilled Nursing

Medical Staffing

Policy Highlights

Medical Professional Liability

Medical General Liability

Hired & Non-Owned Automobile Liability

Commercial Property Coverage

Optional Coverage Enhancements

Occurrence Form Available

Abuse and Molestation up to Full Limits

Employee Dishonesty Coverage that includes Client Property

Vicarious Liability for Physicians

Primary Professional Liability for Physicians

Admitted Coverage

Claims Example:

A home health care professional was visiting an at-home client. The client fell while the caregiver was assisting the client to access and negotiate the use of the restroom. The caregiver reportedly was positioning a wheelchair for the client; the client stood up from using the restroom, lost balance and subsequently fell to the floor. The client sustained a serious hip fracture and now required around the clock care. Indemnity paid $187,329. Defense costs paid $33,563.

Long Term Care Facilities

Long-term care is a variety of different personal and household services for people who cannot care for themselves. These services range from basic help with daily activities at home like bathing or dressing to care in a nursing home or assisted living facility. The need for care could be the result of injury from an accident, or it could relate to a chronic illness like Multiple Sclerosis or Alzheimer’s Disease.

Coverage Classes

Assisted Living Facilities (ALF’s)

Continuing Care Retirement Community (CCRC’s)

Independent Living Facilities (ILF’s)

Residential Care Facilities for the Elderly (RCFE)

Skilled Nursing Facilities (SNF’s)

Policy Highlights

Medical Professional Liability

Medical General Liability

Hired & Non-Owned Automobile Liability

Commercial Property Coverage

Employee Benefits Liability

Optional Coverage Enhancements

Occurrence Form

Admitted Coverage

Emergency Evacuation

Beautician and Barbers

Legal Media

Sexual Abuse and Molestation

Claims Example:

Alzheimer patient wandered away from an Assisted Living Facility that was supposed to have a locked ward for patients at risk of elopement. Patient was found three days later deceased in the woods. Indemnity Paid: $500,000. Defense Costs Paid: $27,623.

Medical Spas

A medical spa is a hybrid between a medical clinic and a day spa that operates under the supervision of a medical doctor. Medical spas can treat conditions on your face and body like brown spots, redness, and broken capillaries that cannot be treated at all or as effectively by a traditional esthetician.

Medical spa menus vary, but you usually see procedures like laser skin treatments, injectables (botox and dermal fillers), chemical peels, and cellulite treatments.

Coverage Classes

Anti-Aging Facilities

Day Spas

Massage Therapy

Medical Spas

Resort/Hotel Spas

Salons

Tattoo Parlors

Policy Highlights

Medical Professional Liability – Claims Made Form

Medical General Liability – Claims Made or Occurrence Form

Business Personal Property

Optional Coverage Enhancements

Individual Coverage Available

Physician included as Insured

Medical Director included for Administrative Duties

Incident Sensitive Claims Trigger

HIPAA

Sexual Abuse and Molestation

Claims Example:

Patient went to a Medical Spa for laser hair removal on the upper lip. Patient received third degree burns and will be permanently scarred. Indemnity paid: $250,000. Defense Expense Paid: $13,785.

Capitol Special Risks is a Professional Liability wholesale provider. The coverages, highlights, and enhancements represented are indications of market availability through CSRisks, but are not guarantees of coverage offerings. Please refer to the actual indications, specimen forms, and endorsements for complete terms and conditions.